2003 Chrysler Voyager Insurance Quotes – 8 Ways to Save

Being forced to pay for pricey auto insurance premiums can consume your personal savings and put the squeeze on your family’s finances. Comparing rates annually is recommended to cut your insurance bill.

Drivers have multiple car insurance companies to pick from, and although it’s a good thing to have a selection, more options can take longer to compare rates and find the lowest cost auto insurance.

Find hidden discounts on auto insurance

Auto insurance companies don’t necessarily list every discount they offer very clearly, so the list below contains a few of the more well known as well as the least known discounts that you may qualify for.

• Smart Student Discounts – Being a good student could provide a savings of up to 20% or more. Most companies allow this discount until age 25.
• Braking Control Discount – Cars, trucks, and SUVs with ABS braking systems or traction control can avoid accidents and therefore earn up to a 10% discount.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in school or through a local driver safety program.
• Defensive Driver Discounts – Taking a defensive driver course may get you a small discount and make you a better driver.
• Renewal Discounts – Some larger companies give discounts for switching to them before your current expiration date. Ten percent is about the average savings.
• Online Discount – A handful of companies provide a small discount get insurance coverage digitally online.
• Save with More Vehicles Insured – Drivers who insure multiple cars on one policy can reduce rates for all insured vehicles.
• Life Insurance – Some insurance carriers give a small discount if you purchase a life policy as well.

Discounts reduce rates, but you should keep in mind that many deductions do not apply the the whole policy. Most only cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way.

A list of auto insurance companies and some of the premium reductions they offer can be found below.

• State Farm may have discounts that include safe vehicle, multiple policy, good driver, driver’s education, good student, and Drive Safe & Save.
• Geico discounts include military active duty, seat belt use, membership and employees, anti-lock brakes, and anti-theft.
• Progressive has savings for good student, online quote discount, online signing, homeowner, and multi-vehicle.
• 21st Century may include discounts for homeowners, student driver, anti-lock brakes, teen driver, and good student.
• American Family offers discounts including multi-vehicle, early bird, defensive driver, Steer into Savings, and good student.
• The Hartford may offer discounts for good student, defensive driver, anti-theft, driver training, bundle, and air bag.
• AAA includes discounts for pay-in-full, multi-policy, education and occupation, multi-car, anti-theft, AAA membership discount, and good student.

When getting a coverage quote, ask every insurance company the best way to save money. Some discounts listed above might not apply in your area. If you would like to choose from a list of insurance companies who offer auto insurance discounts, click here.

The quickest method we recommend to compare car insurance company rates is to know most insurance companies have advanced systems to compare rate quotes. All consumers are required to do is give the companies some data like if the car is leased, if it has an anti-theft system, coverage limits, and whether you have decent credit. The data is instantly sent to multiple insurance providers and you receive quotes very quickly.

To find the cheapest Chrysler Voyager insurance rates, click here and enter the information requested.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage, there really is no “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For instance, these questions might point out if you might need professional guidance.

• Why am I be forced to buy a membership to get insurance from some companies?
• Does coverage extend to my business vehicle?
• Should I drop comprehensive coverage on older vehicles?
• How much liability do I need to cover my assets?
• Does liability extend to a camper or trailer?
• What is PIP insurance?
• What is an SR-22 filing?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Car insurance coverage information

Learning about specific coverages of your policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages found on most insurance policies.

Comprehensive (Other than Collision) – This will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like vandalism, damage from a tornado or hurricane and rock chips in glass. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Chrysler Voyager.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for bills such as doctor visits, ambulance fees and EMT expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Liability insurance – This coverage can cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as repair costs for stationary objects, court costs, medical services and loss of income. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage – This will pay to fix damage to your Voyager from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as driving through your garage door, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Saving money makes a lot of cents

Some insurance companies may not provide the ability to get a quote online and these regional carriers only sell coverage through independent agencies. Affordable 2003 Chrysler Voyager insurance is available on the web and also from your neighborhood agents, so you need to compare both so you have a total pricing picture.

You just learned a lot of ways to get a better price on 2003 Chrysler Voyager insurance. It’s most important to understand that the more price quotes you have, the better likelihood of getting affordable insurance coverage. You may even discover the biggest savings come from an unexpected company. They may cover specific market segments cheaper than their larger competitors like Allstate, Geico and Progressive.

When you buy insurance coverage online, do not buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage at an affordable rate and still be able to protect your assets.

Much more information about auto insurance can be read on the following sites:

• Should I Buy a New or Used Car? (Allstate)
• Red Light Cameras (State Farm)
• Young Drivers: The High Risk Years Video (iihs.org)
• Airbag FAQ (iihs.org)